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Method of authenticating a terminal in a transaction execution system

  • US 5,475,756 A
  • Filed: 02/17/1994
  • Issued: 12/12/1995
  • Est. Priority Date: 02/17/1994
  • Status: Expired due to Fees
First Claim
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1. A method of authenticating a terminal in a transaction execution system to a user, said method comprising the steps of:

  • receiving account information in said terminal;

    contacting through a communication line a host associated with an institution that issued said account information;

    sending at least a portion of said account information from said terminal to said host;

    sending a personal security phrase, corresponding to said account, from said host to said terminal; and

    communicating to said user at said terminal a message incorporating said personal security phrase, where the aforementioned steps occur prior to said user'"'"'s entering any secret or confidential information into said terminal.

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